Specific circumstances;
(1), the actual loan is this process:
Loan: you-> 4s-> Guarantee company-> bank
Appropriation:
Down payment: bank-> guarantee company -> 4S
Balance: You deposit money into your credit card regularly.
(2) The handling fee is 3,000 yuan more (there was already a loan handling fee of 3,000 yuan before), which is different from the previous handling fee. What's the charge? I asked what it meant.
Now they are exposed: the car is sealed with them and the ownership does not belong to you. After the loan is paid off, it will be transferred to you, and you will be given a registration card when you pick up the car!
There is also a hidden money in it. If you want thousands of dollars, do you think you can't pay it? Can you come back without signing in?
The fair fee of the official seal is the upfront fee for the guarantee company to handle some mortgages, guarantees, judicature, copying documents, etc.
(3) The insurance mortgage of 2000, which is not explained by 4S, is just a simple renewal! But in the second year of 2000, it must be fully insured on 4S! And there is no discount, but also according to the highest premium, which means that even if you don't get out of danger in the first year, you have to pay six or seven thousand insurance premiums in the second year!
4. I collapsed at this point. I guess everyone will collapse: the ownership and registration of the vehicle belong to the guarantee company, and the insured signed the guarantee company, but we will pay! The insured is not ourselves, so I understand why there is a deposit of 2000 yuan on it, and why we need full insurance the next year, because it is not our personal insurance! In other words, the insurance beneficiary is also a guarantee company! If something goes wrong, the car belongs to someone else and the beneficiary belongs to someone else!
The loan must be clearly stated, as well as the ownership of the vehicle, whether there are other fees, where to register, how to protect the insurance, and so on. It should be written down in black and white and signed! Then decide whether to lend or not!
Don't be fooled by 4S, in order to save thousands of interest money, spend tens of thousands of handling fees and insurance money and drive a car that doesn't belong to you for several years! ! Damn it!
What's more: go to the bank and don't look for 4 S. The guarantee company can take your certificate, take it to the bank for mortgage loan, and then lend it to usury. You must pay here. This trick has been played like this before. 100000 cars don't suck you 40000, then it's not them! Basically, it is no different from the previous high-interest loans!
You can't get the deposit back, but the deposit is ok. In fact, they are illegal. Fraud. this is ...